Remortgaging in 2025: Why It Pays to Start Early

If your current mortgage deal is due to end within the next six to twelve months, you’re in the same boat as thousands of UK homeowners considering remortgaging in 2025.

Fixed-rate deals have been a market feature for years, but as those terms end, many borrowers are seeing higher monthly repayments than they previously budgeted for.

Remortgaging in 2025 can feel alarming, but with the right approach, it’s manageable. The trick is to start early.

Why early preparation matters

Most lenders will allow you to secure a new product offer several months before your current deal ends, commonly up to six months, sometimes longer.

Using that window gives you control. Instead of waiting for an expiry letter and then panicking, you have time to compare rates, making remortgaging in 2025 a strategic process.

You can check your paperwork and resolve any issues (credit file anomalies, missing paperwork, or unforeseen valuation queries) that can slow or derail an application.

Check your credit file with Experian

There’s an additional benefit: rate movement. When considering remortgaging in 2025, mortgage markets can shift quickly.

If you find a competitive deal and lock it in before rates rise further, you protect yourself. Conversely, if rates fall after you’ve accepted an offer, many lenders allow you to update or reapply for a better deal, so you’re rarely left in a worse position through early action.

Avoid the last-minute rush

Leaving remortgaging to the last minute is a common trap.

Many homeowners contact brokers and lenders simultaneously at renewal time, creating bottlenecks.

Lenders’ processing times lengthen, valuations can be delayed, and simple things like proof-of-income requests can take longer to handle. This is particularly true if you are remortgaging in 2025 and require a second charge, a product transfer, or have recently changed jobs or taken a pay cut, all of which merit additional documentation.

Starting early gives you breathing space. It allows for a formal affordability check and provides time to shop around for different features, such as the option to overpay, payment holidays, or a mortgage with flexible underpayment and overpayment allowances.

Use remortgaging as a wider financial review

Remortgaging isn’t only an interest-rate decision.

It’s a chance to review the fit between your mortgage and your wider financial life. Have your circumstances changed? Are you expecting a bonus, expanding your family, or planning to downsize? Could you benefit from switching to a shorter term to reduce long-term interest, or would extending the term ease monthly pressure while you rebuild savings?

Other options to consider while remortgaging in 2025 include consolidating other debts into a mortgage (only sensible in certain situations), releasing equity for home improvements, or adding a flexible overpayment facility to pay down capital faster when possible.

Checklist: What to do today

Check your mortgage end date and note it in your calendar.
Review your credit report and correct any errors early.
Gather payslips, bank statements and proof of ID to move quickly if you find a deal.
Speak to a broker or independent adviser to review your options; not all good deals are widely advertised. Read about the benefits of using a mortgage broker

Final thought: If your deal ends within the next six months, now’s the time to act.

A calm, proactive approach will give you choice, protect you against volatility, and reduce the stress of last-minute decisions.

Remortgaging in 2025: Why It Pays to Start Early